Freezing to Swimming Pool Water Lines

February 8, 2016

Under the HO-3 policy, would freezing to plumbing lines run to an in ground swimming pool and damages to access the lines be covered? 

The swimming pool is separate from the dwelling but is connected by a concrete patio and concrete around the in ground pool. Should the plumbing lines freeze, a portion of the pool concrete deck would have to be removed to access the plumbing lines to make necessary repairs. The customer keeps the pool running during the winter months but did shut off the pump during a recent weather event in Tennessee where the temperatures were below freezing for several days.

Tennessee Subscriber

Freezing of plumbing and other systems is excluded, as is the discharge or leakage from within the system caused by freezing. Freezing, thawing, or pressure of weight of water to fences, pavements, patios, and swimming pools is also excluded. There would be no coverage, and there are no endorsements that would provide coverage either.

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